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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 1.51
HAFC's Cash to Debt is ranked higher than
77% of the 1615 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.52 vs. HAFC: 1.51 )
HAFC' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 1.51

Equity to Asset 0.10
HAFC's Equity to Asset is ranked higher than
74% of the 2028 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HAFC: 0.10 )
HAFC' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.14
Current: 0.1

0.03
0.14
Interest Coverage 4.59
HAFC's Interest Coverage is ranked higher than
90% of the 1861 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. HAFC: 4.59 )
HAFC' s 10-Year Interest Coverage Range
Min: 0.83   Max: 4.59
Current: 4.59

0.83
4.59
F-Score: 4
Z-Score: 0.19
WACC vs ROIC
12.38%
13.70%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 45.96
HAFC's Operating margin (%) is ranked higher than
91% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.72 vs. HAFC: 45.96 )
HAFC' s 10-Year Operating margin (%) Range
Min: -115.05   Max: 55.96
Current: 45.96

-115.05
55.96
Net-margin (%) 29.75
HAFC's Net-margin (%) is ranked higher than
87% of the 2053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.65 vs. HAFC: 29.75 )
HAFC' s 10-Year Net-margin (%) Range
Min: -91.7   Max: 71.8
Current: 29.75

-91.7
71.8
ROE (%) 10.92
HAFC's ROE (%) is ranked higher than
84% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 vs. HAFC: 10.92 )
HAFC' s 10-Year ROE (%) Range
Min: -59.12   Max: 27.22
Current: 10.92

-59.12
27.22
ROA (%) 1.39
HAFC's ROA (%) is ranked higher than
91% of the 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HAFC: 1.39 )
HAFC' s 10-Year ROA (%) Range
Min: -3.47   Max: 3.21
Current: 1.39

-3.47
3.21
ROC (Joel Greenblatt) (%) 400.09
HAFC's ROC (Joel Greenblatt) (%) is ranked higher than
94% of the 2017 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 80.18 vs. HAFC: 400.09 )
HAFC' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -771.66   Max: 786.69
Current: 400.09

-771.66
786.69
Revenue Growth (3Y)(%) -26.30
HAFC's Revenue Growth (3Y)(%) is ranked higher than
52% of the 1724 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.50 vs. HAFC: -26.30 )
HAFC' s 10-Year Revenue Growth (3Y)(%) Range
Min: -43.8   Max: 12.9
Current: -26.3

-43.8
12.9
» HAFC's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2014

HAFC Guru Trades in Q1 2014

Jim Simons 1,013,069 sh (+30.05%)
James Barrow 1,536,980 sh (-0.44%)
» More
Q2 2014

HAFC Guru Trades in Q2 2014

James Barrow 1,944,845 sh (+26.54%)
Jim Simons 1,032,494 sh (+1.92%)
» More
Q3 2014

HAFC Guru Trades in Q3 2014

Jim Simons 1,008,085 sh (-2.36%)
James Barrow 1,889,415 sh (-2.85%)
» More
Q4 2014

HAFC Guru Trades in Q4 2014

Jim Simons 978,357 sh (-2.95%)
James Barrow 1,832,065 sh (-3.04%)
» More
» Details

Insider Trades

Latest Guru Trades with HAFC

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
James Barrow 2014-06-30 Add 26.54%0.01%$20.77 - $24.51 $ 20.56-6%1944845
James Barrow 2013-12-31 New Buy0.05%$16.59 - $22.4 $ 20.568%1543745
Arnold Schneider 2012-12-31 Sold Out 0.07%$11.77 - $13.62 $ 20.5664%0
Arnold Schneider 2012-09-30 Reduce -68.69%0.14%$10.38 - $13.28 $ 20.5674%62644
Arnold Schneider 2012-06-30 New Buy0.2%$9.17 - $10.68 $ 20.56106%200105
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 14.30
HAFC's P/E(ttm) is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. HAFC: 14.30 )
HAFC' s 10-Year P/E(ttm) Range
Min: 3.77   Max: 34.21
Current: 14.3

3.77
34.21
Forward P/E 11.11
HAFC's Forward P/E is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.42 vs. HAFC: 11.11 )
N/A
PE(NRI) 14.00
HAFC's PE(NRI) is ranked higher than
83% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. HAFC: 14.00 )
HAFC' s 10-Year PE(NRI) Range
Min: 3.77   Max: 33.07
Current: 14

3.77
33.07
P/B 1.50
HAFC's P/B is ranked higher than
70% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. HAFC: 1.50 )
HAFC' s 10-Year P/B Range
Min: 0.15   Max: 2.63
Current: 1.5

0.15
2.63
P/S 4.30
HAFC's P/S is ranked higher than
69% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. HAFC: 4.30 )
HAFC' s 10-Year P/S Range
Min: 0.25   Max: 6.41
Current: 4.3

0.25
6.41
PFCF 18.20
HAFC's PFCF is ranked higher than
80% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HAFC: 18.20 )
HAFC' s 10-Year PFCF Range
Min: 0.26   Max: 121.65
Current: 18.2

0.26
121.65
POCF 16.92
HAFC's POCF is ranked higher than
76% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. HAFC: 16.92 )
HAFC' s 10-Year POCF Range
Min: 0.26   Max: 91.68
Current: 16.92

0.26
91.68
EV-to-EBIT 8.16
HAFC's EV-to-EBIT is ranked higher than
92% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. HAFC: 8.16 )
HAFC' s 10-Year EV-to-EBIT Range
Min: -25   Max: 23.5
Current: 8.16

-25
23.5
Days Sales Outstanding 197.01
HAFC's Days Sales Outstanding is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HAFC: 197.01 )
HAFC' s 10-Year Days Sales Outstanding Range
Min: 26.94   Max: 180.79
Current: 197.01

26.94
180.79

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.40
HAFC's Dividend Yield is ranked lower than
70% of the 1919 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. HAFC: 1.40 )
HAFC' s 10-Year Dividend Yield Range
Min: 0.34   Max: 7.63
Current: 1.4

0.34
7.63
Dividend Payout 0.19
HAFC's Dividend Payout is ranked higher than
87% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.60 vs. HAFC: 0.19 )
HAFC' s 10-Year Dividend Payout Range
Min: 0.17   Max: 1
Current: 0.19

0.17
1
Yield on cost (5-Year) 1.40
HAFC's Yield on cost (5-Year) is ranked lower than
69% of the 1931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.40 vs. HAFC: 1.40 )
HAFC' s 10-Year Yield on cost (5-Year) Range
Min: 0.34   Max: 7.63
Current: 1.4

0.34
7.63
Share Buyback Rate -39.00
HAFC's Share Buyback Rate is ranked higher than
52% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. HAFC: -39.00 )
HAFC' s 10-Year Share Buyback Rate Range
Min: 2.8   Max: -74.4
Current: -39

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.50
HAFC's Price/Tangible Book is ranked higher than
74% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. HAFC: 1.50 )
HAFC' s 10-Year Price/Tangible Book Range
Min: 0.23   Max: 4.93
Current: 1.5

0.23
4.93
Price/DCF (Projected) 0.60
HAFC's Price/DCF (Projected) is ranked higher than
91% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.55 vs. HAFC: 0.60 )
HAFC' s 10-Year Price/DCF (Projected) Range
Min: 0.07   Max: 1.64
Current: 0.6

0.07
1.64
Price/Median PS Value 1.10
HAFC's Price/Median PS Value is ranked higher than
81% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. HAFC: 1.10 )
HAFC' s 10-Year Price/Median PS Value Range
Min: 0.1   Max: 1.58
Current: 1.1

0.1
1.58
Price/Peter Lynch Fair Value 0.10
HAFC's Price/Peter Lynch Fair Value is ranked higher than
58% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HAFC: 0.10 )
HAFC' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.53   Max: 0.99
Current: 0.1

0.53
0.99
Price/Graham Number 1.00
HAFC's Price/Graham Number is ranked higher than
80% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. HAFC: 1.00 )
HAFC' s 10-Year Price/Graham Number Range
Min: 0.35   Max: 2.53
Current: 1

0.35
2.53
Earnings Yield (Greenblatt) 12.10
HAFC's Earnings Yield (Greenblatt) is ranked higher than
88% of the 2041 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. HAFC: 12.10 )
HAFC' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.2   Max: 1889.6
Current: 12.1

4.2
1889.6
Forward Rate of Return (Yacktman) 60.99
HAFC's Forward Rate of Return (Yacktman) is ranked higher than
94% of the 1289 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.40 vs. HAFC: 60.99 )
HAFC' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 10.7   Max: 207.5
Current: 60.99

10.7
207.5

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:HF7N.Germany,
Hanmi Financial Corp is a Delaware corporation incorporated on March 14, 2000 to be the holding company for Hanmi Bank "Bank". The Company, together with its subsidiary, is a community bank conducting general business banking, with its primary market encompassing the Korean-American community as well as other communities in the multi-ethnic populations of Los Angeles County, Orange County, San Bernardino County, San Diego County, the San Francisco Bay area, and the Silicon Valley area in Santa Clara County. It offers a complete line of insurance products, including life, commercial, automobile, health, and property and casualty. The Bank provides its banking services through its branch network to a variety of small- to medium-sized businesses. The Bank's lending activities include real estate loans "commercial property, construction and residential property", commercial and industrial loans "commercial term loans, commercial lines of credit, SBA loans and international trade finance", and consumer loans. The Bank offers commercial real estate loans, which are usually collateralized by first deeds of trust. Its commercial real estate loans are secured by investor-owned commercial buildings and owner-occupied commercial and industrial buildings. The Bank finances the construction of multifamily, low-income housing, commercial and industrial properties within its market area. The Bank offers term loans for a variety of needs, including loans for working capital, purchases of equipment, machinery or inventory, business acquisitions, renovation of facilities, and refinancing of existing business-related debts. The Bank also offers a traditional of deposit products, including non-interest bearing checking accounts, interest bearing checking and savings accounts, negotiable order of withdrawal accounts, money market accounts and certificates of deposit. The company competes for loans, deposits and customers with other commercial banks, savings institutions, securities and brokerage companies, mortgage companies, real estate investment trusts, insurance companies, finance companies, money market funds, credit unions and other non-bank financial service providers. The Company is subject to government regulations that could limit or restrict its activities, which in turn could adversely affect its operations.
» More Articles for HAFC

Headlines

Articles On GuruFocus.com
Weekly CEO Buys Highlight: OPK, LJPC, SFNC, HAFC, TUBE Jul 28 2014 
Weekly CEO Buys Highlight: HAFC, IESC Sep 30 2013 
Four CEOs Reporting Over $100,000 Insider Buys Sep 17 2013 
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Weekly CEO Buys Highlight: RCL, PSXP, ALXA, PAY, HAFC Aug 05 2013 
Weekly CFO Buys Highlight: BWEN, ENZ, PIP, HAFC, AACC Nov 21 2011 
Hanmi Financial Corp. Reports Operating Results (10-K/A) Jun 03 2010 
Hanmi Financial Corporation Reports Second-Quarter 2009 Financial Results Aug 06 2009 
Hanmi Financial Corporation Reports Fourth-Quarter and Fiscal Year 2008 Financial Results Jan 29 2009 

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